The Upgrades and Pro Kits for each vehicle are purchasable with credits. As of the Lunar New Year Update, several of the subsequent cars have the option of paying with either currency for MAX Upgrades.

The exceptions to this are: (the following vehicles have many credits-purchasables upgrades, but some upgrades of the following vehicles require .)

Several existing vehicles' credit payment option was removed on the Munich Update and were made into having -only upgrades until it was changed on October 31, 2017 to allow payment with , following strong negative reception from players.

The following vehicles were affected by the conversion to -only upgrades until the aforementioned date.

As of June 26th, 2017, a fourth Exclusive Deal is purchasable using credits.

This was expanded further with the Motorcycles Update, where there are multiple credits-purchasable Exclusive Deals.

As of December 26, 2018, only one common deal can be purchased with credits.

Credit Packs

Credit packs are an in-app purchase that provides the player a set amount of credits in exchange for real money. While the price for a pack increases for a bigger payout, the larger packs are overall of more value as the player gains a larger amount for a reduced money → credits cost ratio. With the Rio de Janeiro Update, each credit pack will also award the player with VIP points for the VIP system.

A Credits Pass Subscription was available in June 2019 and gave a total of 6,000,000, double the amount of a Master Credit Pack for the price of a Pro Credit Pack. The player has to log-in to the game every day for a consecutive 15 times with each log-in awarding 400,000.

Transferability with Tokens

There is no official conversion rate between credits and tokens in Asphalt 8: Airborne. A token is worth 138 on average and at the most, 341. This is only an estimate as the number of in-game tokens received for an equivalent value of credits depends largely on what you purchased.

In general, the lower the credit/token ratio of the car price is, the more economical it would be to purchase the car with credits instead of tokens. Due to the scarcity and high value of tokens to most players, it is usually a better choice to purchase the item with credits and save the tokens for other uses.

Note: Car Mastery is unusable as of the Fast Lane Update which prevented Mastery races from being replayed when completed. The following list shows the 20 cars that were most efficient for Mastery grinding prior to said update

Prior to March 23, 2018, the Lamborghini Veneno could be used as the first stepping stone in credits grinding as it only cost 861,774 to buy and MAX PRO and does not require Engine Cards in its Pro Kits.

While the 2015 GTA Spano has comparable profitability to the cars mentioned above, it is rendered impractical with its paywall restriction and Elite Car status with tune-ups for it taking 2 hours and 30 minutes to complete.

As previously mentioned, completing certain Collections in the game will award the player with a credit reward. Listed below are all of the collections with a credit reward.